Previously we look at “Compilation of Cash rebate credit cards“.
For those who prefer to use Debit Card instead of Credit Card to control spending, there are a number of banks offer debit cards with cash rebate. However, the quantum of rebate is lower when compare to rebate from credit card spending.
The table below is the list of debit cards that offers good cash rebate to the cardholders.
There are a few ways to invest in gold. One of the most popular ways is via Investment or Savings account with a bank. The main benefit of this method is, investor does not need to worry about keeping the physical gold by themselves.
Currently, there are 5 banks offer gold investment or savings account. Normally, banks will issue either passbook or statement to the depositors. Some of the banks do allow physical gold withdrawal.
Banks that currently offer these services are,
The following table are the details comparison between 5 investment or savings accounts.
Fixed Deposit is known to be one of the most secure investment but with a lower return. If you like to invest your money in fixed deposit you may choose from the list below to maximize your return.
Since July 2010, fixed deposit rate does not change very much because Bank Negara maintain the OPR at 2.75% since then. However, banks do make some adjustment to their rate.
The table below are the latest conventional fixed deposit rate as of December 2010.
You may look at this page for the most up to date rates. Alternatively you may want to look at Islamic Fixed Deposit or General Investment Account (GIA-i) rates.
We always heard that many people are saying high risk investment come with higher return. But how do we know which investments have higher return with higher risk and vice versa.
There are 3 level of investments risk namely conservative, moderate and aggressive with potential return ranging from 3 percent and up to 20 percent. The most commonly type of investments from lowest to highest potential returns are government securities, fixed deposits, bonds, investment linked insurances, equities and options/warrants.
The chart below illustrates the risk and potential return of the common types of investment products.
In the last posts, we look at main features and benefits of Structured Investments. The most notable feature of Structured Investments is that can give you potentially higher return than fixed deposits. However it comes with potentially higher risks too.
If you are unsure to choose whether to invest in Structured Investments or Fixed Deposits and would like to know the difference, this post is right for you. The table below illustrate the main difference between Structured Investments and Fixed Deposits.